We broker all business insurance lines: general liability, professional indemnity, property, workers compensation, and more. Rather than dealing with insurers directly or accepting your broker's first quote, we access the broader market, compare coverage and premiums, and ensure you're properly insured at the best price.
The Challenge
You're not sure what insurance you actually need and worry you might be under-insured
Your insurance premiums have increased and you want to check if you can get better rates elsewhere
You've made a claim and are worried it will affect future premiums
You've started a new service line and aren't sure what additional insurance is needed
You have multiple insurance policies and don't know if there are gaps or overlaps
What's Included
Comprehensive review of your business, operations, and risks to identify insurance gaps and redundant cover.
Specific recommendations on coverage types, limits, and deductibles appropriate for your risk profile.
Quotes from 10-20+ insurers for your insurance specifications, allowing price comparison.
Assistance with lodging claims and advocacy with insurers to ensure claims are handled appropriately.
Annual insurance review ensuring coverage remains appropriate as your business changes. Refinancing at better rates if available.
Why It Matters
Insurance is critical risk management that many SME owners get wrong. They either under-insure (accepting risk they can't afford) or over-insure (paying for coverage they don't need). A customer's child is injured at your location—you need general liability. A professional client sues because they lost money following your advice—you need professional indemnity. Your premises burns—you need property insurance. Your truck hits someone's car—you need fleet insurance. The patchwork of insurance needs is complex, and most businesses are under-insured or paying above-market rates. We simplify this by assessing all risks, recommending appropriate coverage, and accessing the market to get competitive pricing. We also handle claims advocacy: if something goes wrong, we help manage the claim process and ensure the insurer pays appropriately.
Comprehensive insurance assessment identifying coverage gaps
Multi-insurer quotes allowing price comparison
Competitive premiums negotiated across the market
Expert coverage guidance for your industry
Claims support and advocacy with insurers
Annual review ensuring coverage remains appropriate
The Process
Insurance needs assessment: understanding your business, operations, risks, and current coverage
Specification development: defining coverage required (liability limits, exclusions, deductibles)
Market access: quotes from 10-20+ insurers across different markets
Comparison and recommendation: covering advice on claims history impact, exclusions, and value
Placement: securing selected policies and managing endorsements
Claims support: assisting with claims and communicating with insurers
Best For
SME owners wanting insurance guidance from someone independent of insurers
Businesses seeking competitive insurance rates across multiple policies
Professional service providers needing professional indemnity expertise
Growing businesses adjusting coverage as operations change
Complementary Services
We broker business lending from Australia's major banks and alternative lenders. Rather than applying to one bank and hoping, we position your loan request to multiple lenders, negotiate terms, and secure the best rates and structure for your business. Our lending expertise ensures your application is presented professionally with all required documentation.
Financial strategy translates business vision into financial reality. We develop 3-5 year financial plans aligned with your growth ambitions, identify capital requirements, plan for profitability milestones, and ensure financial decisions support strategic goals. This bridges the gap between business strategy and financial execution.
For companies with boards or advisory councils, professional reporting is essential for informed decision-making. We prepare comprehensive board papers including financial statements, commentary, strategic metrics, and recommendations. Reporting is customized to board composition (independent directors, investors, family shareholders) and board priorities.
FAQ
Depends on your business size and risk. Professional services firms typically need $5M+. Retail/hospitality might need $10M+. We assess your exposure and recommend appropriate cover.
General liability covers bodily injury and property damage caused by your operations. Professional indemnity covers claims from clients that you've provided inadequate professional advice or services.
If you're incorporated, yes—it's highly recommended. It protects directors from personal liability for company actions. For proprietary companies with independent directors, it's essential.
Claims history affects your claims rating, which impacts future premiums. We help you manage claims process to minimize impact and may be able to negotiate rating relief for single claims.
Some insurers specialize in high-risk sectors. We access these specialists and may need to place insurance with less standard insurers, but we ensure appropriate coverage.
Can't find the answer you're looking for? Get in touch
We can help you implement insurance broking and start seeing results. Book a consultation to discuss your specific needs and explore how this service can transform your business.